Early repayment is urgent! There is a bank notice: come back next year!

"The amount of the application for appointment on that day is full, please change the appointment date." Zhang Ying (pseudonym), who lives in Xicheng District, Beijing, recently planned to repay part of the mortgage in advance, but she was a little at a loss when she saw the prompt on the mobile app of CCB.

This year, "repaying the loan in advance" has become a hot word. Like Zhang Ying, many lenders choose to repay their mortgages in advance, and the subsequent difficulty in repaying loans has become a new problem. Zhongxin Jingwei saw on a social platform that many lenders Tucao Bank encountered difficulties in repaying loans in advance. Some lenders can only make an appointment until March next year, while others have to complain to the regulatory authorities in order to repay the loan smoothly.

Repay the loan in advance and grab the quota.

Two years ago, Zhang Ying and her husband sold their house and replaced it with a school district in Xicheng District. Apart from the provident fund, there are 2.4 million commercial loans. This year, watching the poor financial returns and the stock falling, she made up her mind to repay the loan in advance.

In April and September this year, Zhang Ying paid off part of the mortgage twice through the mobile APP, and paid back 460,000 yuan and 60,000 yuan respectively, and shortened the repayment period from 2 1 year to 15 years. She roughly calculated that the 2.4 million commercial loan originally required interest of nearly 6.5438+0.8 million. After repaying the loan in advance, she can save more than 700 thousand interest.

"I feel a lot easier at once. These two repayments are very smooth, so I plan to pay back some money in advance." Zhang Ying said.

10 ended, and when she tried to prepay again, she found it was not enough. Zhang Ying recalled that for the first two times, you only need to enter the repayment amount on the mobile APP, and there will be an appointment deduction date below. Just pick a date. The appointed date is about a week or two later. However, this time the APP reminded her that she couldn't make an appointment for repayment until1October 1 1.

1 65438+1October1later, she made an appointment for repayment again, and found that the scheduled deduction date was only one day. After clicking in, it would show that the line was full, but there was no other date option. "In a few days, I will open it again. I don't have to fill in the repayment amount. Just click on the prepaid page and it will show that the quota is full. "

In desperation, Zhang Ying looked for strategies on social platforms. "There is a post saying that there will be a quota at two o'clock in the afternoon, and you have to squat on the APP, just like double eleven shopping, killing the quota. I tried it three times, and every time I set my alarm clock to two o'clock sharp, the quota was gone. I called the bank again, and the staff said that it is difficult to grab it on the APP now, so let me go to the offline outlets after next year 1. "

Li Panxi (pseudonym), who works in Beijing, also encountered similar problems. 20 16, 10 She bought her first apartment in her hometown of Xi 'an with a loan of 760,000 yuan. The loan term is 30 years, with equal repayment of principal and interest. After several LPR cuts, the monthly payment is reduced to about 3500 yuan.

"I suffered a setback in the stock market this year, and the fund is not very good. I have roughly calculated the current family cash flow and checked the remaining loan amount, which is about 670,000. Repaying the loan in advance has no effect on my family's cash flow. " So, in July this year, Li Panxi began to contact the bank to repay in advance.

What she never expected was that the first time she contacted the bank, she encountered "Waterloo". "Because I couldn't go back to Xi 'an, I called the bank account manager who loaned at that time, and the other party never answered; Finally got through. She said she resigned and gave me a new contact. I called this man again. After listening to the purpose of my call, the other party directly replied,' I'm busy now, so I'll hang up first. "Li Panxi said.

About a month later, Li Panxi called the original account manager again, and the other party provided a landline number. This time, the staff found her new loan account manager, who introduced her repayment plan in detail. "If you return it at one time, you must go to the bank with the house book or the purchase contract. If there is still a part, you can deposit the repayment amount and one month's contribution into the bank card bound by the mortgage, and the account manager can help me the next day. Because I can't go back to work in Beijing, I chose to pay 400,000 first. " Li Panxi said.

"The account manager told me that I could operate the repayment on my mobile phone, but I really didn't find it. Finally, the account manager helped to operate. " She said. 165438+1October 9, Li Panxi's mobile APP has been successfully debited, and the next repayment amount is 1688 yuan.

On June 5438+07, Zhongxin Jingwei consulted a branch of China Bank as a customer. The account manager of the bank said that it is necessary to make an appointment on the mobile phone first, and then wait for the SMS notification to operate the repayment in the mobile banking according to the above date. However, the above-mentioned account manager said, "Now it takes about 45 days to apply normally, and the appointments for 65438+ 10 are all next year."

However, all bank appointments are not difficult. The account manager of a state-owned bank in a province in North China told Zhongxin Jingwei that due to the epidemic situation, there were not many customers who came to the bank for prepayment, so they could handle it directly without waiting.

The account manager of a branch of a joint-stock bank in Beijing also said that the bank does not need to make an appointment, and can repay the loan directly with the bank mobile app, and there is no limit.

The account manager bluntly said "great pressure"

Since the beginning of this year, due to factors such as poor investment returns and "deleveraging" of lenders themselves, some customers have chosen to repay in advance. At the same time, with the repeated downward adjustment of LPR, the interest rate of operating loans has also been declining, and the phenomenon of "loan moving" has appeared. Various financial intermediaries advertise on social media to teach customers how to replace high-interest mortgages with low-interest business loans.

"There are many customers who have repaid in advance this year, and we have already paid back more than two billion here. I am under great pressure this year. " The account manager of the above-mentioned joint-stock bank bluntly said that customers should pay more and banks should lend desperately, "fill the pit first."

Lin li, vice president of Agricultural Bank of China, introduced at the interim results conference in 2022 that a few individual housing loan customers chose to repay the loan in advance, mainly based on their own financial planning, and also related to the decline of the return center of financial investment at this stage.

Zheng Guoyu, vice president of Industrial and Commercial Bank of China, also said at the 2022 interim results conference that a small number of mortgage customers did repay in advance to adjust their household balance sheets, but compared with previous years, this trend was not very obvious. In the first half of the year, ICBC recovered 380 billion yuan of mortgage loans, of which 260 billion yuan was repaid in advance, an increase of 30 billion yuan over last year.

On the one hand, customers are repaying in advance, on the other hand, customers' willingness to borrow money to buy a house is declining. On June165438+1October 10, the central bank released the financial data of June 2022 10. In June, 5438+ 10, financial institutions increased RMB loans by 6 152 billion yuan, a year-on-year decrease of 2 1 10 billion yuan.

In terms of loan structure, in June, 5438+00, household loans decreased by1800 million yuan, a significant decrease of 482.7 billion yuan compared with last June 10. Among them, short-term loans decreased by 51200 million yuan, a year-on-year decrease of 93.8 billion yuan; The medium and long-term loans of residents with high correlation with real estate only increased by 33.2 billion yuan, a year-on-year decrease of 388.9 billion yuan.

China Merchants Macro Zhang Jingjing team pointed out that if the monthly data of 1- 10 are added together, the medium and long-term loans of the residential sector will increase by about 2.8 trillion yuan less than the same period of last year, and the growth of new loans in the residential sector is really weak.

According to the data released by the National Bureau of Statistics on June 5438+065438+1October10, during June 5438+0- 10, 2022, the deposits and advance receipts of real estate development enterprises were 4 104 1 100 million yuan. Personal mortgage loan was RMB 2 billion/kloc-0.5 billion, down 24.5% year-on-year. These data show that the number of people who buy houses with loans is decreasing.

Jin Tian, a senior researcher at the Digital Economy Research Institute of Zhongnan University of Economics and Law, told Zhongxin Jingwei that due to complicated factors such as the epidemic situation, the overall credit demand has weakened recently, and it is more difficult for banks to obtain high-quality new customers and issue low-risk new loans. From the perspective of maintaining a stable business scale and continuously obtaining interest income, banks and their staff have the motivation to discourage or restrict customers from repaying loans in advance, or set various additional conditions for customers to repay loans in advance. For example, mortgage customers foreclose on selling houses, and banks require buyers to continue to choose bank mortgage loans, otherwise they will charge liquidated damages to customers who repay loans in advance.

In an interview with Zhongxin Jingwei, Li Wanfu of Rong360 Digital Technology Research Institute said that customers' early repayment of loans, on the positive side, reduced the credit risk of banks and increased the liquidity of banks. However, after the customer repays in advance, the bank's mortgage scale declines, and it is necessary to seek new sources of mortgage. In the current market environment, the liquidity of bank funds is abundant, the mortgage business is a high-quality asset, and the competition for resources among banks is fierce; Moreover, the interest rate in the mortgage market has been declining, and even if it is reinvested, rate of return on capital will be lower than before.

Early repayment is not suitable for everyone.

Early repayment of loans is a re-planning arrangement for some customers' debts, but it is not suitable for all lenders.

Li Wanfu introduced that when customers have plans for prepayment, they should first sort out their assets systematically to ensure that they are not blindly following suit. At present, there are abundant idle funds and no better financial channels; Secondly, understand the repayment policy of your mortgage bank, such as whether there is a penalty, whether it can be repaid in installments, and whether there is an option to repay in advance (the same term reduction or the same term reduction). , and choose the best after comprehensive consideration; In addition, if it is a portfolio loan, priority will be given to commercial loans.

Li Wanfu further pointed out that if customers have limited idle funds and are tempted to get commercial loans and consumer loans to replace low-interest loans through some channels, they should fully understand the hidden risks of this replacement method and make a careful decision; In addition, some users have short remaining loan life, so they chose the repayment method of equal principal and interest. Most of the interest in previous years has been paid off, and the loan amount for the remaining loan period is mostly principal, so there is no need to repay in advance.

In Jintian's view, respecting customers' funding arrangements and facilitating their use are more conducive to enhancing customers' stickiness and shaping brand value in a certain sense, thus creating favorable conditions for acquiring new customers and new funds.

At the same time, Jintian said that as a loan customer, it is necessary to know in detail the requirements of the relevant terms of the bank's early repayment, especially in combination with the process time and handling fee.